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180,000 Spend $2,000 in first 3 months
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card

ANZ Credit Cards

ANZ Rewards Black Credit Card

Updated 3 June 2021

If you're looking for a higher end rewards card, the ANZ Rewards Black has many features that give you the opportunity to earn a huge variety of rewards. It currently offers 180,000 bonus Reward Points when you spend $2,000 on eligible purchases in the first 3 months. Plus, you can save $375 on card costs with its $0 annual fee in the first year offer.

New cards only. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $0 for first year, $375 thereafter).

Points Earn Rate (per $1 spent)

2 points

Capped at $5000, then 1 pt per $1 spent

Rewards Program

ANZ Rewards

Bonus Points

180,000 pts

Spend $2,000 in first 3 months

Pros and cons

  • 180,000 bonus Reward Points on your new ANZ Rewards Black credit card when you spend $2,000 on eligible purchases in the first 3 months
  • $0 annual fee in the first year
  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period.
  • Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
  • Redeem points for flights, merchandise, gift cards, cash back and more
  • Complimentary International Travel Insurance for trips up to 6 months
  • Up to 9 additional card holders
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

  • Each additional card holder costs $65 annually
  • Standard $375 annual fee

Creditcard.com.au review

Editor Review

ANZ Rewards Black Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The ANZ Rewards Black Credit Card with 180,000 Reward Points

If you love being rewarded – and if you especially enjoy treating yourself to prestige perks – the ANZ Rewards Black card could well be worth a closer look. Designed to offer higher points earning power than standard rewards cards, this high-end option has plenty going for it.

From its awesome travel-related benefits to its excellent introductory bonus points offer, this card can give you it all. But is it right for you? Let’s find out.

What we love...

When talking about the features we love on the ANZ Rewards Black card, it’s hard to go past the introductory bonus points offer. How does it work exactly? After you spend $2,000 on eligible purchases on your new card within three months of card approval, you will be rewarded with 180,000 bonus Rewards Points to spend as you like. The bonus Reward Points and credit will be credited to your ANZ account within 3 months of the eligible spend criteria being met.

As part of the ANZ Rewards Program, these points can be redeemed on a huge range of items, on anything from travel and entertainment, to gift cards, cash back and more. And if you don’t have enough points to cover the item you want, simply make up the difference in cash.

Additionally, you could redeem the 180,000 Reward Points for $800 worth of David Jones or Woolworths Supermarket e-Gift cards (four $200 gift cards).

Love travel? Choosing the ANZ Rewards Program can be a great choice for cardholders who want to earn points on travel, but who don’t want to be tied down to a particular airline. With ANZ Rewards, you can choose to fly with any airline to any destination, whenever you want to travel.

To top it all off, this card waives its annual fee for the first year- giving you an opportunity to pocket a whopping $375 savings on card costs. This is a perfect opportunity for new cardholders to enjoy all the awesome features and benefits this card has to offer without spending a hefty amount on card fees.

What’s not so great...

When it comes to cards packed with features and offers, there is always small print to pay attention to. With the ANZ Rewards Black card, it’s worth bearing in mind the ample annual fee you’ll pay after the first year, as well as the relatively high rates of interest on purchases and cash advances.

And while the card does allow for up to nine additional cardholders – which can provide a handy way to earn points faster – each additional cardholder will cost $65 per year.

Why should you choose this card?

While the introductory offers certainly provide lots to love, you may also quite enjoy the other features the ANZ Rewards Black card has to offer.

In terms of points earning potential, the card lets you earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

As a cardholder, you can also enjoy access to complimentary international travel insurance, interstate flight inconvenience insurance, extended warranty insurance, guaranteed pricing scheme and purchase protection insurance.

On top of that, the card provides up to 55 days interest free on purchases, and compatibility with Apple Pay®, Google Pay™ and Samsung Pay™.

Overall Rating

A high-end rewards card with a fantastic earn rate on the ANZ Rewards Program, excellent features and introductory offers that include 180,000 bonus points and $0 annual fee for the first year.

User reviews

ANZ Rewards Black Credit Card ( based on 1 Creditcard.com.au user review )

65% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Cash advance rate 20.24% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $15,000

Maximum credit limit N/A

Fees & repayments

Annual fee $375 p.a.

Additional cardholder fee Up to 9 at $65 p.a. each

Foreign transaction fee 3%

Minimum repayment 2% or $25

Annual fee the first year $0

Cash advance fee Consumer: 2% or $4 whichever is greater (2% or waived for RTA); Commercial: 1.50% or $1.50 whichever is greater

Late payment fee $20

Rewards and points

Rewards program

Rewards Program ANZ Rewards ANZ Rewards

Bonus points 180,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $2,000 in first 3 months

Earning points with this card

ANZ Rewards points 2 points per $1 spent

Points cap per month Capped at $5000, then 1 pt per $1 spent

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Overview

ANZ Rewards Black Credit Card

This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.

Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary international travel insurance.

Key features

  • 180,000 bonus Reward Points when you spend $2,000 on eligible purchases in the first 3 months.
  • $0 annual fee in the first year, $375 p.a. thereafter
  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period.
  • Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
  • Redeem points for flights, merchandise, gift cards, cash back and more
  • Complimentary international travel insurance for trips up to 6 months
  • Up to 9 additional card holders
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

47 questions (showing the latest 10 Q&As)

Sam

Sam

17 July 2021
Hi Roland, would you know if paying Rego fees and car insurance would count as an eligible purchase towards the $2000 spend for bonus points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 July 2021
    Hi Sam, any bills and fees similar to what you’ve mentioned can sometimes be processed as cash advances. This means that you won’t accumulate any bonus points (and also be stung with hefty fees and interest. We actually have written a guide to let you know how to setup your card with BPAY to make sure that your payment is not considered as cash advance. This way you’ll get to earn those bonus points. Hope this helps!
Emily

Emily

10 July 2021
Hi Roland, I'm looking for a credit card with a good earning rate like this to use for my business. Firstly, does it violate Ts&Cs to use a credit card like this for business? If so, do you have any suggestions for a good points earning credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2021
    Hi there Emily and thank you for your question. The benefits of having a business credit card comes down to your main use. Business credit cards come with added extras like MYOB integration, custom limits for separate cardholders and points earning. For a unique situation such as yours, it would be best to talk to your accountant to see how this could affect you. If you’d like to learn more, we’ve written this guide on using personal credit cards for business that could help you in the right direction.
Jaymen

Jaymen

6 July 2021
Does the ANZ rewards card have any fees when you are paying off your owing balance. My old Gem card had payment handling fees. I want to use this card to earn points monthly and then pay off the owing balance by the end of each month.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 July 2021
    Hi Jaymen, thanks for your question! We checked on the fees on ANZ’s website and there’s no mention of fees for paying off balances. The Gem Visa was a unique product aimed at bigger retail store purchases, where the ANZ card is more flexible. I suggest checking their site for further information.
Jenn

Jenn

1 July 2021
HI Roland I juts read the Ts & Cs and it shows Reward Points will ordinarily expire within 36 months of 31 December of the year in which the Reward Point was added to a Points Record. Reward Points that remain unused after they have expired will be cancelled I didn't think that points expired as long as you kept adding to or using your Qantus Points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 July 2021
    Hi Jenn, to ensure that your Qantas Points don’t expire you need to earn or redeem Qantas Points through your account at least once every 18 months. If you have an Everyday rewards account with Woolworths you can link it to your Qantas account to keep your points ticking over. Hope this has helped!
Greg P

Greg P

9 June 2021
With the Reward Points, what is the conversion rate to (a) QANTAS Frequent Flyer and (b) Kris Flyer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 June 2021
    Hi Greg, thanks for your question. Unfortunately the transfer and conversion of Qantas Points to Krisflyer is unavailable. Qantas is part of the Oneworld alliance of airways and KrisFlyer is a part of the Star Alliance. Due to the COVID-19 pandemic, at the time of writing points conversion from Velocity to KrisFlyer is also paused. Thanks again for your question.
Yan Zhang

Yan Zhang

28 May 2021
may i know ANZ Rewards Black credit card. I had ANZ credit card a few years ago. not sure whether i belongs to new cards applicant?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 May 2021
    Hi Yan, thanks for your question! We checked ANZ’s terms and conditions, which state that one should not currently hold and haven’t opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months. You must meet all the other offer eligibility criteria too. Hope this helps!
Susan OConnor

Susan OConnor

26 May 2021
Hi I was just checking as to the 180,000 bonus points is that with a $2000 spend in the first 3 months.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2021
    Hi Susan, thanks for your question! Based on the current offer of the ANZ Rewards Black Credit Card, a new card member can get a 180,000 bonus Reward points when you spend $2,000 on eligible purchases in the first 3 months.

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